Revised Code of Washington

Wash. Rev. Code § 48.11.030 (2026)

✓ current as of May 2026

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"Disability insurance" is insurance against bodily injury, disablement or death by accident, against disablement resulting from sickness, and every insurance appertaining thereto including stop loss insurance. "Stop loss insurance" is insurance against the risk of economic loss assumed under a self-funded employee disability benefit plan.

[ 1992 c 226 s 1; 1947 c 79 s .11.03; Rem. Supp. 1947 s 45.11.03.]

Notes:

Application—1992 c 226: "This act applies to policies issued or renewed on or after July 1, 1992." [ 1992 c 226 s 4.]

Notes of Decisions

Cited in 2 cases, 1997–2016 · leading case: Osborn ex rel. Petit v. Metro. Life Ins., 160 F. Supp. 3d 1238 (D. Or. 2016).

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Osborn ex rel. Petit v. Metro. Life Ins., 160 F. Supp. 3d 1238 (D. Or. 2016). · cites it 2× “020 or disability insurance under RCW 48.11.030. See id. at 1155. Gomez ultimately held that the accident policy at issue was disability insurance because it more appropriately fit under the definition set forth in RCW 48.”

Gomez v. Life Ins. Co. of North Am., 928 P.2d 1153 (Wash. Ct. App. 1997). · cites it 2× “]” Thus, this accident policy is disability insurance within the meaning of RCW 48.11.030. Because the policy also insures "human lives,” it can also be considered a life insurance policy under a general application of the definition of life insurance: " 'Life insurance’ is…”

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